Condo Media - April 2011 - 24
HOMEOWNER’S CORNER
Inventory Possessions
A Valuable Exercise if Disaster Strikes
f you think you don’t need to insure against hurricanes, wildfires, tornadoes and floods, you’re among the nearly half of U.S. homeowners and renters who lack the insurance coverage to deal with potential losses, according to the National Association of Insurance Commissioners (NAIC). In a NAIC national survey, about 48 percent of homeowners and renters said they did not have an inventory of their possessions. Of those having a checklist, 32 percent had not taken any pictures and 58 percent had no receipts validating the cost of their possessions. In addition, 44 percent acknowledged that
I
they had not stored their inventory in a separate location. Here are some tips from the NAIC to help you prepare for disasters: • Take an inventory of your valuables and belongings, including photographs or a video of each room. This documentation provides your insurance company with proof of your belongings and helps to process claims more quickly. • Keep sales receipts and canceled checks, and note the model and serial numbers of the items in your home.
• As you acquire more valuables, such as jewelry or antiques, consider purchasing an additional floater or rider to your policy as these items typically are not covered by a basic policy. • Your inventory should include items you rarely use, such as holiday decorations, sports equipment and tools. • Store copies of all your insurance policies in an easily accessible, safe location away from your home. • Consider leaving a copy of your inventory with relatives, friends or your insurance provider, and store digital pictures in your e-mail or on a website for easy retrieval. • Know what is and is not covered by your insurance policy. Contact your insurance provider annually to review and update your insurance policy. • Keep a readily available list of 24hour contact information for each insurance provider. • Find out if your possessions are insured for the actual cash value or the replacement cost. • Speak with your insurance provider to find out if your policy covers additional living expenses for a temporary residence if you are unable to live in your home due to damage. • Appraise your home periodically to make sure your insurance policy reflects home improvements or renovations. For more information, visit www.InsureUonline.org CM
24
CONDO MEDIA • APRIL 2011
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Condo Media - April 2011
Table of Contents for the Digital Edition of Condo Media - April 2011
Condo Media - April 2011
Contents
From the CED’s Desk
President’s Message
CAI News
CAI Regional News
Asked & Answered
Homeowner’s Corner
Insurance
Legal
Vendor Spotlight
Board Member Insight
Maintenance
2011 CAI-NE Insurance & Restoration Directory
Advertisers Index
Classified Service Directory
Condo Media - April 2011 - Condo Media - April 2011
Condo Media - April 2011 - Cover2
Condo Media - April 2011 - Contents
Condo Media - April 2011 - From the CED’s Desk
Condo Media - April 2011 - 3
Condo Media - April 2011 - President’s Message
Condo Media - April 2011 - 5
Condo Media - April 2011 - CAI News
Condo Media - April 2011 - 7
Condo Media - April 2011 - 8
Condo Media - April 2011 - 9
Condo Media - April 2011 - 10
Condo Media - April 2011 - 11
Condo Media - April 2011 - 12
Condo Media - April 2011 - 13
Condo Media - April 2011 - 14
Condo Media - April 2011 - 15
Condo Media - April 2011 - 16
Condo Media - April 2011 - 17
Condo Media - April 2011 - CAI Regional News
Condo Media - April 2011 - 19
Condo Media - April 2011 - 20
Condo Media - April 2011 - 21
Condo Media - April 2011 - Asked & Answered
Condo Media - April 2011 - 23
Condo Media - April 2011 - Homeowner’s Corner
Condo Media - April 2011 - 25
Condo Media - April 2011 - Insurance
Condo Media - April 2011 - 27
Condo Media - April 2011 - 28
Condo Media - April 2011 - 29
Condo Media - April 2011 - Legal
Condo Media - April 2011 - 31
Condo Media - April 2011 - 32
Condo Media - April 2011 - 33
Condo Media - April 2011 - 34
Condo Media - April 2011 - 35
Condo Media - April 2011 - 36
Condo Media - April 2011 - 37
Condo Media - April 2011 - 38
Condo Media - April 2011 - 39
Condo Media - April 2011 - Vendor Spotlight
Condo Media - April 2011 - 41
Condo Media - April 2011 - Board Member Insight
Condo Media - April 2011 - 43
Condo Media - April 2011 - 44
Condo Media - April 2011 - 45
Condo Media - April 2011 - Maintenance
Condo Media - April 2011 - 47
Condo Media - April 2011 - 48
Condo Media - April 2011 - 49
Condo Media - April 2011 - 50
Condo Media - April 2011 - 2011 CAI-NE Insurance & Restoration Directory
Condo Media - April 2011 - 52
Condo Media - April 2011 - 53
Condo Media - April 2011 - 54
Condo Media - April 2011 - 55
Condo Media - April 2011 - 56
Condo Media - April 2011 - 57
Condo Media - April 2011 - 58
Condo Media - April 2011 - Classified Service Directory
Condo Media - April 2011 - 60
Condo Media - April 2011 - 61
Condo Media - April 2011 - 62
Condo Media - April 2011 - 63
Condo Media - April 2011 - 64
Condo Media - April 2011 - Cover3
Condo Media - April 2011 - Cover4
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